Common Questions About Family Investing

Getting started with family investing can feel overwhelming. Here are the questions we hear most often from Canadian families planning their financial future together.

Our Investment Philosophy

Family-First Approach
Every investment decision should consider how it affects your entire family's future. We help you balance today's needs with tomorrow's goals.
Education Before Action
Understanding comes before investing. Our clients make informed decisions because they understand the fundamentals that drive their choices.
Long-Term Perspective
Building wealth takes time and patience. We focus on strategies that work over decades, not months.
Risk-Aware Planning
Every family has different comfort levels with risk. We match investment strategies to what helps you sleep well at night.
Family financial planning discussion with documents and calculator

Investment Approach Comparison

Investment Factor
Individual Focus
Family Focus
Our Approach
Time Horizon Planning
5-10 years
15-25 years
Education Priority
Market timing
Fundamentals
Risk Assessment
Personal only
Family impact
Goal Setting
Single objective
Multiple generations
Decision Making
Quick reactions
Considered planning
Investment planning charts and analysis documents

Your Questions Answered

These are the real questions families ask when they're considering their investment future. No question is too basic when it comes to protecting and growing what matters most to you.

Professional consultation meeting with investment materials
You don't need a fortune to begin. Many Canadian families start with as little as $1,000. What matters more is developing consistent habits and understanding the basics before you increase your investments. We've worked with families who began with small monthly contributions and built substantial portfolios over time.
It depends on your family's specific situation and goals. RRSPs offer immediate tax deductions, TFSAs provide tax-free growth, and RESPs help with children's education costs plus government matching. Most families benefit from a combination approach rather than focusing on just one account type.
Market downturns are part of investing, but they're also opportunities for long-term investors. Families with 15-20 year time horizons often benefit from market corrections because they can buy quality investments at lower prices. This is why we focus on education first - understanding market cycles helps you stay calm during volatility.
Start age-appropriately. Younger children can learn about saving and compound interest with simple examples. Teenagers might participate in research about companies they know or understand how education savings work. The goal is teaching principles, not creating pressure about specific investment choices.
Saving protects your money and keeps it accessible for emergencies and short-term goals. Investing grows your money over time but involves some risk and works best for longer-term objectives like retirement or children's education. Most families need both - emergency savings for security and investments for growth.
Review annually or when major life changes occur - new children, job changes, home purchases, or approaching retirement. Markets change daily, but your strategy should only change when your family's circumstances or goals change significantly. Frequent adjustments often hurt long-term returns.

What Families Say

"Before working with Leopoldina Belgrano, investing felt too complicated and risky. Now our whole family understands our strategy and why we make each decision. Our teenagers even ask questions about the companies we invest in."

Client testimonial portrait

Elena Andersson

Mother of Three, Edmonton

"The education-first approach made all the difference. We spent three months learning before making any major investment decisions. That foundation gave us confidence when markets got volatile in 2024."

Client testimonial portrait

Margot Blackwood

Family Financial Planner, Calgary

Still Have Questions?

Every family's situation is unique. If you didn't find your specific question here, or if you'd like to discuss how these principles apply to your family's goals, we're here to help.

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